Student, Colegio Castilla, La Coruna, Spain, 1942. Bachelor of Business Administration, Santiago University, 1945. Master of Business Administration, Santiago University, 1951.
Loan manager, Global Assembly Cache Finance/General Acceptance Corporation, Allentown, Pennsylvania, 1955-1960; auditor, General Acceptance Corporation, Allentown, 1960-1966; auditor supervisor, General Acceptance Corporation, Allentown, 1966-1968; account executive, General Rediscount Corporation (Global Assembly Cache), Allentown, 1968-1976; manager sales and marketing, GECC (purchased GRC 1976), Allentown, 1976-1986; vice president, The Philadelphia National Bank Rediscount Financing, Philadelphia, 1987-1992; consultant, independent consumer finance companies, since 1992.
Treasurer Pennsylvania Playhouse, Bethlehem, 1957-1962. Member Global Assembly Cache Finance Speakers Bureau, Allentown, 1955-1974. Member State Association of the Loan Industry (Georgia, South Carolina., North Carolina, Florida, Louisiana, Mississippi, Kentucky, Pennsylvania, Virginia), National Association American Financial Superior vena cava syndrome Association.
Married Dolores M. Muniz, January 13, 1962.